Michael Doan, Bankruptcy Attorney.
Certified Bankruptcy Specialist, C.B.L.
American Board of Certification
We Make Creditors Pay You! Read our Collection Abuses page here. We Protect You From Debt Collection Abuse! If you are receiving or have received creditor communications before, during, or after your bankruptcy. You may be entitled to statutory damages, actual damages and punitive damages. You should know your rights. As a consumer, even if you should find yourself in financial distress. This does not mean creditors are permitted to abuse and harass you into paying a debt.
Getting A Bankruptcy Discharge Without Filing Bankruptcy Yes, it’s possible. If you are married, do not ever get divorced, and have no separate property. You can get a Bankruptcy Discharge of all your dischargeable debts, if only your spouse files for Bankruptcy. This is because California is a community property state. All community debts are discharged in Bankruptcy and community assets can never be pursued.
Fair Debt Buying Practices Act Goes In Effect Soon! The Fair Debt Buying Practices Act was passed on July 1, 2013. It will require purchasers of charged-off consumer debts to provide greater documentation and to inform debtors of their rights. Typically, debt buyers purchase defaulted consumer debts by the thousands for pennies on the dollar. Debt buyers then file a large volume of lawsuits on the alleged debts and claim to be the assignees of the debts. These debtbuyers prey on the uninformed and unrepresented.
Doan Law Firm is one of only a few firms in California that provides the Complete Package of Consumer Debt Protection Services: We provide both Bankruptcy and Non Bankruptcy Alternatives. Depending upon your circumstances, Bankruptcy may or may not be right for you. That is why in addition to Chapter 7 and 13 Bankruptcy Relief, we also provide Lawsuit Defense, Debt Settlement, and Counter Lawsuit Services:
Outside of rare exceptions such as with child support, taxes, and other government fines, jail is not an option when consumer debt is not paid. The United States eliminated the imprisonment of debtors under federal law in 1833. So if Debtor’s Prisons no longer exist, whats the harm in not paying consumer debt?
One of the ultimate goals for a bankruptcy practitioner is to obtain a “fresh start” for their debtor clients through a bankruptcy discharge. Sometimes that fresh start is frustrated by creditors who continue to report negative entries to credit reporting agencies for debts already discharged in bankruptcy. The frustration is magnified when credit reporting agencies do not correct the error.
It is not uncommon that we see numerous lawsuits in our Bankruptcy and Bankruptcy Alternatives Practice. The bigger problems arise when Debtors ignore these lawsuits and they escalate. If a responsive pleading is not filed within 30 days, the creditor will request the Court to enter default, and your wages and assets will be at immediate risk.
Has a creditor ever added charges to your account, without your permission, or sent a bill for merchandise never order or services rendered? If so you need to know your rights under the Electronic Funds Transfer Act (“EFTA”). If you suspect, there has been an unauthorized transactions on your bank account, you have rights, but the time frame is limited. Under the EFTA, you must write or call the bank immediately, but no later than (60) days from the date of the statement reflecting the unauthorized charge. Your bank has a duty to investigate and promptly correct any unauthorized transactions
Overwhelmed with bills and creditors harassing you? Now is the time to get started on the road toward financial freedom!
The Doan Law Firm is one of the largest family of San Diego Bankruptcy Attorneys and we will help you achieve a fresh financial start. From the moment we meet, you are protected from creditors, while your bankruptcy case is being prepared, or other non-bankruptcy alternatives are put into place. We are here to help you immediately!
Schedule a free consultation with one of our San Diego Bankruptcy Attorneys today and get started on the road to a debt-free life.
By working with one of Doan Law Firm’s San Diego Bankruptcy Attorneys toward filing a Chapter 7, Chapter 13, or even a Chapter 20 Combo, you can rest assured you are getting the best service and results, at the most affordable and guaranteed price. Our Bankruptcy Lawyers will assist you in determining which chapter is right for you, and guide you through the complex Bankruptcy Code of Title 11. To ensure your case runs as smoothly and simply as possible. Since Doan Law Firm has one of only fourteen Board- Certified Bankruptcy Specialists in Consumer Bankruptcy Law, by the American Board of Certification, in the State of California, you can sleep soundly knowing your case will process smoothly. And your assets will be protected, and your debts eliminated.
Get started today, and stop the harassment from creditors. Unlike most firms that do nothing upon being retained, and unlike the few that take limited defensive measures. At Doan Law Firm we take the offense and actually reverse the playing field, and go after your creditors. Wherein many of our clients actually receive free bankruptcies, and money in their pockets. Creditor harassment and abuse immediately terminates State and Federal Laws are immediately invoked. Lawsuits and counter lawsuits are filed from our quiver of offensive maneuvers, to protect your rights, that creditors and debt buyers do not want you to know about
Interested in pursuing a settlement outside of Bankruptcy Court, or are you looking for some extra legal advice? We offer many bankruptcy alternatives that help you with debt relief.
At Doan Law Firm, a San Diego Bankruptcy Attorney can determine what non-bankruptcy alternative is right for you. Including debt settlement, collection defense, short sales, mortgage modification, and RFDCPA/TCPA Lawsuits. Our arsenal of non-bankruptcy alternatives may be just what you need, without the need to file for Chapter 7 or Chapter 13 relief. With a Doan Law Bankruptcy Attorney on your side, you instantly retain Doan Law Firm‘s leverage, credibility, and reputation to achieve the best results for your particular needs.
We do not stop once your case has been filed and is finalized. The debt relief lawyers of Doan Law Firm are available to help you get back on the right track financially. Even after your debt has been reduced or eliminated. We offer credit counseling and credit repair, after discharge and case closure. To help you get back on solid financial ground with an improved credit score. In most cases, our clients have a better credit and FICO score after retaining us than before.
Can’t make it in to a Doan Law Firm office location? No worries! Doan Law Firm utilizes the latest state-of-the-art technology, making it easier than ever to file bankruptcy online from the convenience of your home. Many of our busy or home-bound clients complete 100% of their interaction with us over the phone, internet, and mail, without a single compromise. The only place they need to go is to their meeting of creditors.